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The rate tracker does need to be reviewed after 3 years, you'd never go for the lite home loan. Fortunately there's no defered establishment fee on BankWest loans. Out of the big banks, only ANZ & Westpac have decent offset products. On balance I'd say Westpac is slightly better on rate...

No offset account on ING, but the Rate Tracker Ultra does have an offset account available for $15 per month. This might sound steep, but compare it to $360+ for most pro-packs...